Market Insights

Permanent explanations of how the mortgage market actually works, written for borrowers, each with its sources and review date. The daily stream of data and Dave's Take lives on Market Intelligence.

Why the Fed doesn't set your mortgage rate

The FOMC raised rates in September and mortgage rates barely blinked. The chain that actually connects Washington to your rate sheet runs through the bond market.

New insights post with a real URL each; the weekly briefing cadence begins after launch.

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